About Baynoy

Baynoy exists because business money is scattered — one provider for card payments, another for the account, a third for cards, a fourth for crypto — and none of them talk to each other. We put all of it behind one balance, one dashboard and one API, with fees shown before anything moves.

We build carefully: an append-only ledger behind every balance, mandatory 3-D Secure on cards, segregated customer funds, and honest availability — we tell you what works in your country before you sign up, not after.